Affinity Card Enrollment & Program FAQs


Is the Card a credit card? 
No. The Card is a prepaid Visa card that carries a fixed cash amount determined by the giver at the time of purchase. Each time the cardholder uses the card, the purchase amount is deducted from the available balance.

Where can the Card be used? 
The Card can be used to make purchase everywhere Visa debit cards are accepted.

Who might like a Card?
Anyone. Members, supporters, friends, relatives, students 13 to 22, and business associates. It's a card that can used everywhere Visa debit is accepted.

Is there a limit as to how much value the Card can have? 
Yes. The maximum value on the card is $10,000. There is no minimum value required. Please see load requirements below.

Is there a limit as to how much I can load onto the Card?
Yes. The minimum value you can load on to the card is $10.00; the maximum value is $2,500 per day. 

Who can order or use the Card? 
Anyone can order the card through the website Parents can order the card for children, ages 13-17. Card enrollment requires identity verification. 

What are the fees to buy the Card? 
There is no fee to receive a new card.

When does the cardholder receive the Card? 
All cards are mailed within two business days. Typically the cardholder should receive the card within five to ten business days after the order was placed. The card is delivered with a carrier that includes information on who sent the card.

Does the Cardholder need to sign an agreement? 
Each card is distributed with a Cardholder Agreement & Disclosure. This agreement fully explains the term and conditions regarding the use of the card. This agreement can also be viewed online. The cardholder accepts the terms and conditions by either signing the back of the card, using the card, or receiving the card by request.

Will the cardholder receive a statement? 
Cardholders can review their current balance online free of charge through this Web Site. In addition, the cardholder can call the toll-free Cardholder Services number 1-866-691-4768 to receive balance and transaction information.

What happens if I need to return an item? 
Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction. They may credit your Card, provide a cash refund, or offer a store credit.

What if the purchase is denied? 
The card's available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that use of the Card at some merchants--for example, restaurants, mail-order companies, hotels, rental cars, and cruise lines--requires the card have an available balance greater than the purchase amount to ensure sufficient funds are available for tips and incidental expenses. These transactions are called pre-authorizations and may take up to 5 business days to clear from your card account.”  Use of the card at automated fuels dispensers requires a minimum balance of $75; however, only the actual spent will be deducted from the card.

Does the Card have an expiration date? 
Yes. It expires 36 months from the purchase date, as indicated on the front of the card.

Can I reload my Card? 
Yes. The Card can be reloaded at any Readylink location. You can look up load locations on this website.

What happens if there are still funds available when my Card expires? 
We encourage you to use the entire card amount before the card expires. There may be an administrative fee to the close out the card account. Any remaining balance would then be returned to the recipient by check within four to six weeks.

What happens if my Card is lost or stolen? 
Immediately report any problems or a lost or stolen card by calling 1-866-691-4768. A replacement card will be issued and any available balance will be moved to the new card. Less a $9.95 replacement card fee that will be deducted from the card's available balance. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant changes.

Can the card ever have a negative balance? 
Any authorization request that is greater than the card's available balance will be declined. However, there can be time when a Visa merchant puts an item through without prior authorization. If a negative balance occurs the card recipient will be required to make a payment to cardholder services to the cover the negative amount.

Payments should be sent to:

Cardholder Services
P.O. Box 7235
Sioux Falls, SD 57117-7235

How does my Group benefit? 
By exclusively endorsing the affinity prepaid card program your Group earns quarterly royalty income based on your member’s use and renewal of the card for the duration of the program.

How does this program differ from an affinity credit card program?  
Given this is not a credit card, the Card is a prepaid Visa card that carries a fixed cash amount determined by the giver at the time of purchase. Each time the cardholder uses the card, the purchase amount is deducted from the available balance. There is no credit check to qualify or need for a traditional bank account.

What does my Group have to pay for this program? 
Your Group simply needs to endorse the program, grant Prepaidian permission to use your name and logo(s), provide a list of members/supporters and approve marketing plans and materials. Prepaidian will cover all related program marketing expenses. Additionally, your Group will provide Prepaidian access to your meetings and/or events.

How will the program be marketed? 
Via the marketing channels of direct mail, email, multi-channel, free-standing applications, group events and other mutually agreed approaches.